after graduating, she said law school, i need to go to law school. took out more loans. when she graduated, her total loan balance was $90,000. that's pretty tough. she thought it was manageable, though. with interest rates up to 9%, though, her balance kept growing faster than she could pay off the loan. now she says she doesn't have anything on this earth but student loans. she says she will never have anything to call her own because her credit is ruined, ruined because she went to college and law school, borrowing too much money to do it. she can't even qualify for a car loan she is so deeply in debt. she feels no matter how hard she work, she will never be able to pay off her loans. and i guess this is a good point in this presentation to remind everybody student loans are not dischargeable in bankruptcy. no matter how bad it gets. when you are so deep in debt, you cannot imagine getting out of it. you can't get relief in court. why? well, we decided years ago, maybe 50 years ago that government loans wouldn't be dischargeable. there were a few perhaps anecdotal sto